Relationship Manager, Commercial (Al Ain Br. ) Attijari Al Islami


JOB PURPOSE:Professional management & maintenance of commercial banking relations, in coordination with Commercial Area Manager & Branch Manager.
a)    Maintain & manage an assigned portfolio with existing commercial clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets.

b)    Identify, solicit and acquire new commercial clients in line with approved corporate strategies for Assets, Liabilities, Trade and Treasury Sales.

c)     Negotiate appropriate credit lines in conformity with the Bank’s underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal.

d)    Making regular visits to clients for both monitoring and business generation purposes. Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner.

e)     Conduct account planning with Client Service Team Members & cross selling other products & services to commercial clients to ensure multi-product relationship and greater Share of wallet. Facilitating other lines of business in exploiting business opportunities through referrals to Wealth/Consumer Banking.

f)     Establish effective & professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.

g)    Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.

h)    Managea team of Support Officers, set, agree and measure annual targets, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance reviews.

i)      Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity andconsistency across the Bank

j)     Keep abreast of developments in the local business environment to spot business opportunities.Contribute to the planning process in order to develop corporate business strategies.

k)    Develop a strong level of local contacts with the local business and financial institutions community.QUALIFICATIONS:Degree in Economics or Finance or Business ManagementEXPERIENCE:

4 – 6 years of experience in Commercial banking with 2-3 years of exposure to Commercial Banking in the UAE. Ideally incumbent should have had exposure to one or more emerging markets.
Commercial acumen and ability to prepare plans and strategies are essential.
The ability to forge close relationships with external constituents as a senior representative of the bank


Good command of English, Arabic language will be an added advantage.
Planning and organizing skills
Report writing skills
Communications skills.
Negotiation skills

Note: you will be required to attach the following:1. Resume / CV
2. Passport-size photograph